Whether you're in Westport, Greymouth, Hokitika or anywhere else on the West Coast, you can get a personal loan with Instant Finance.
You can do the whole thing online and over the phone, from application to money in your account, without visiting a branch. We've helped customers right across the West Coast this way.
Travelling? You're always welcome at any of our 25 branches around New Zealand.
To apply for a personal loan, you need to:
Be 18 or over
Live in New Zealand
Be a New Zealand citizen or resident, or hold an eligible work visa
Provide valid photo ID
Be able to afford the repayments
What you'll need to apply:
Your photo ID
Your bank statements (shared online through a secure connection)
If you're applying for a secured loan, details of what you're offering as security
You can do it all online and over the phone:
Apply online or by phone. Call 0800 760 000 if you'd rather talk it through.
Verify your ID online.
Share your bank statements online, through a secure connection to your bank.
Talk it through with our team, who'll go through your budget with you over the phone.
Sign your loan documents online, with an electronic signature.
Get your money. Once you're approved and accept the loan, it's paid straight into your bank account within 24 hours.
Most people never need to visit a branch. Occasionally, if we can't verify your ID or bank statements online (for example, if you don't use online banking), we'll need to see original documents in person. Don't use online banking, or not sure your ID can be verified online? Call us on 0800 760 000 before you apply, and we'll talk you through your options.
A less-than-perfect credit history doesn't automatically rule you out. Your credit score is one part of the picture, not the whole decision.
What we look at:
What you can comfortably afford to repay, based on what's coming in and going out. By law, we have to check this for every loan.
Your recent payment history. A default from years ago tells us much less than missed payments in the last few months.
Your existing debts, and how much room they leave in your budget.
Any security you can offer, like your car, which can strengthen your application.
What can help your application:
Get three months of clean bank statements together. If there are dishonoured payments, it's worth sorting those out before you apply.
Check your credit report first. You can get a free copy from Centrix, Equifax or Illion.
Be upfront about your situation. It's always better coming from you first.
On a benefit? We may be able to help, as long as you have a steady income (a benefit counts) and meet our responsible lending criteria.
Our team can also help you put together a household budget, so your repayments stay manageable.
Find out more about bad credit loans.
People borrow for all sorts of reasons, like a new car, travel or to consolidate other debts.
There are fees on your loan, and we make them clear up front. See our rates and fees.
A secured loan uses something you own, like your car, as security. If you can't keep up your repayments, that item may be repossessed.
An unsecured loan doesn't need security. Approval depends more on your credit history and ability to repay, so a secured loan may be more achievable if your credit history has some marks against it.
The loan you're offered depends on your situation, what you can afford to repay, any security you offer and your credit history.
Try different amounts and terms in our loan calculator, or talk to our team.
Our branches are in the North Island, Christchurch and Dunedin. But you don't need one: you can do the whole thing online and over the phone from anywhere on the West Coast, and a real team at one of our branches will look after you.
Yes. You can apply online or by phone from anywhere on the West Coast, and go all the way to having the money in your bank account without visiting a branch.
Usually not. Occasionally, if we can't verify your ID or bank statements online, we'll need to see original documents in person. If you don't use online banking, call us on 0800 760 000 before you apply.
Personal loans range from $500 to $50,000, over 3 months to 7 years. How much you can borrow depends on what you can comfortably afford to repay.
Every responsible lender has to check you can afford the loan. With us, the criteria are the same whether you apply online, by phone or in a branch, and we look at your whole situation, not just your credit score.
A less-than-perfect credit history doesn't automatically rule you out. We look at what you can comfortably afford to repay now.
